30-year, fixed-rate loan dropped this week from 4.16% to 4.10%. That's the low point this type of loan first hit on Feb. 15. Last year at this time, rates were 5.03%.

15-year, fixed-rate loan declined from 3.38% to 3.35%, close to the Feb. 1 record low of 3.34%. Last year, 15-year mortgage rates were 4.31%.

30-year, fixed-rate jumbo loan -- mortgages for more than $417,000 to $625,000, depending on the city -- fell to 4.63% from 4.65% last week. Jumbo rates first reached a historic low of 4.55% on Feb. 1. Last year at this time, jumbo rates were 5.60%.

5-year, adjustable-rate loan -- where the initial interest rate remains fixed for the first five years and then changes once a year -- sank to 3.04% from 3.12%. This type of loan reached a record 3.02% low on Feb. 1. They cost 3.85% in early spring 2011.

Our database of interest rates can help you find the best deals in your area, including many that are less costly than the national averages.

You can use our calculator to determine the monthly payments for the exact amount you want to borrow with this or any home loan.

It will also provide a month-by-month amortization schedule that shows how much you've reduced your debt and how much you still owe.